Debit card - Overdrafts?

[Jmulv]

not sure how to title thread but I'm a little confused and have quick few questions I need cleared up looked on NatWest website and it's all just trying to get you to get an overdraft....

 

What I'm wondering is this,

 

I have 2 bank accounts, one of them is a select NatWest account and it's one I pay all my bills out of and I keep it DELIBERATELY empty aside what needs to go out of the account (It's my main card I use all over the place online etc it's a visa debit). I've no idea if this account can go overdrawn or not?

 

so for example say I'm a victim of card fraud on this account and it has 20 quid in.

Can only 20 quid be nicked and other payments will be refused because not enough money in my account? or will the blasted account just go overdrawn and lump me with hundreds of quid missing because I don't have some stupid "overdraft limit" basically I just don't want anything to do with an overdraft.

 

Also how do NatWest deal with card fraud on a debit card if it occurs? anyone chime in?

 

It seems I have to apply for an overdraft then set an overdraft limit... which would be 0....but from my reading that seems only way to make sure my account doesn't go overdrawn? because without a control it will just go overdrawn and I'll get unarranged overdraft fees. It seems as if they want you to get knocked into your OD accidentally or via fraud. I just don't want my account to have ability to go overdrawn at all. I don't want the ability for any money other than my own to leave my account.

[BRIGADIER2JCS]

If a debit card account has £20 available with NO OD facility that should be all that there is to take.A bank MAY have an unwritten 'rule' allowing a customer perhaps £10-20 leeway on transaction 'to avoid embarrassment' in a store.

 

Any bank will expect its customers to control their outgoings so as to avoid becoming overdrawn.

 

The best people to advise you on this is your bank.